2, handling personnel to provide loan information for preliminary examination;
3. The handling personnel will input the loan information into the provident fund system;
4. Examiners should review loans;
5. Complete the loan approval and print the loan approval form.
The above is the relevant content of Suzhou Park provident fund loan.
Matters needing attention in purchasing a house with provident fund loan 1. Bad bank credit: overdue credit will be considered as a credit problem, and the provident fund management center will not lend easily;
2. Stop paying the provident fund: Many places stipulate that buying a house with the provident fund must be paid continuously for more than 6 months before the loan can be made. Therefore, even if you plan to change jobs, you should continue to pay the provident fund, even if it is a loan. Otherwise, according to the relevant regulations, the provident fund management center will order you to pay back the outstanding provident fund, which needs to be paid in full every month during the loan period;
3. The applicant's liability rate is too high: if the applicant's liability rate is higher than 50% of the personal or family income, the provident fund center will consider the applicant unable to repay the loan and will not approve the issuance of provident fund loans;
4. The applicant has too many credit cards: credit cards are super prepaid. If the applicant has too many credit cards and the arrears are not settled, it will also affect the provident fund loan;
5. Number of loans: A family can only use provident fund loans twice. Those who have used provident fund loans twice will no longer get provident fund loans.
How to increase the amount of provident fund loans 1 and maintain a good personal credit record: If you want to use provident fund loans to buy a house, users need to ensure good credit before they can get a higher amount. Generally speaking, as long as the user is overdue for three times, it will become that the bank refuses to contact the user, and it is definitely impossible to apply for a loan successfully. Therefore, users should maintain their personal credit and repay in full and on time to avoid overdue situations, so as to avoid penny wise and pound foolish;
2. The higher the account balance, the better: the amount of provident fund loans shall not exceed 20 times the account balance. However, because many enterprises pay the provident fund according to relatively low standards, the monthly provident fund of most users is not high. If you are going to apply for a provident fund loan to buy a house, you can negotiate with the enterprise to increase the proportion of personal provident fund payment, thus increasing the balance in the account;
3. Submit other certificates: proof of family's stable economic income, proof of creditor's rights and debts related to repayment ability, valid certificates such as purchase contract and agreement, collateral used for guarantee, ownership certificate, certificate of consent of the disposal owner to mortgage and pledge, and collateral appraisal certificate issued by relevant departments. Submitting these certificates proves the individual's repayment ability and also helps to increase the loan amount.
This article is mainly about the knowledge of provident fund loans in Suzhou Park.